• Loans for Agriculture

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    Loans for Agriculture are designed for agricultural producers who wish to start or expand their business. These loans can be used for the purchase of raw materials and fixed assets for the proper running of your agricultural business.

    • Loan size from 300 to 10.000 BAM
    • Repayment period of up to 66 months
    • Grace period of max. 12 months
    • Loan processing fee 2,00%
    • Nominal Interest Rate (NIR) is fixed and calculated on annual level, while its value depends on the loan size and ranges from 17,50% to 19,00% as laid out in the table below:
    Loan Size Up to 4.000 BAM from 4.001 KM
    to 10.000 KM
    Max. rok otplate
    42 months 66 months
    NIR 19,00% 17,50%
    EIR FBiH/DB* from 22,46% from 20,07%
    EIR RS 22,44% 20,06%

    The given Effective Interest Rate (EIR) values were calculated for the maximum loan size and maximum repayment period.

    The difference in the calculation of the Effective Interest Rate (EIR) in the Federation of Bosnia and Herzegovina/Brčko District and Republic of Srpska is based on different legal regulations. In addition to the aforementioned costs, the EIR calculation includes the cost of the bill of exchange, legal verification of documents (only in the Federation of BiH/Brčko District) and intercalary interest rate, if calculated.
    * The EIR in the Federation of BiH/Brčko District is presented in an example of calculation of the mandatory documentation for individuals, legally verified at prices valid in Brčko District. The EIR is modified in accordance with additional documentation that may be a precondition for approval of each individual loan.

    Example of calculation of the Effective Interest rate (EIR):

    Type of loan Loan Size Repayment Period NIR Loan Processing Fee EIR FBiH/DB* EIR RS
    Agriculture
    10.000 BAM 66 months 17,50% 2,00% from 20,07% 20,06%

    Table with an overview of monthly installments

    Loans for Agriculture

    Loans Size (BAM) Repayment Period / months
    12 24 36 42 48 60
    1.000 92 50 37
    3.000 276 151 110
    4.000 369 202 147 131
    5.000 457 248 180 160 146 126
    6.000 549 298 215 192 175 151
    8.000 732 397 287 256 233 201
    10.000 914 497 359 320 291 251

    Koristeći kreditni kalkulator možete dobiti okvirne informacije o iznosu mjesečne rate, otplatnom planu i ukupnom zaduženju za kredit koji vas zanima. Napomena: Podaci su informativnog karaktera, služe u svrhu opšteg informisanja i mogu se razlikovati od zvaničnih EKI uslova u trenutku podnošenja zahtjeva. Molimo vas da se za sve detaljne informacije obratite vama najbližoj EKI kancelariji.

    EFSE - Praktični vodič za poljoprivrednike

    EFSE - Praktični vodič za poljoprivrednike
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